Regulations Amending the Canadian Forces Superannuation Regulations: SOR/2024-175

Canada Gazette, Part II, Volume 158, Number 20

Registration
SOR/2024-175 September 10, 2024

CANADIAN FORCES SUPERANNUATION ACT

P.C. 2024-1001 September 9, 2024

Her Excellency the Governor General in Council, on the recommendation of the Minister of National Defence, makes the annexed Regulations Amending the Canadian Forces Superannuation Regulations under subsection 50(1)^{footnote a} of the Canadian Forces Superannuation Act ^{footnote b}.

Regulations Amending the Canadian Forces Superannuation Regulations

Amendments

1 The heading before section 57 and sections 57 to 65 of the Canadian Forces Superannuation Regulations ^{footnote 1} are replaced by the following:

Optional Survivor Benefit

Definitions

57 The following definitions apply in this section and sections 58 to 75.

elective beneficiary

means a person to whom the contributor is married or with whom they are cohabiting in a relationship of a conjugal nature, having so cohabited for a period of at least one year, and in whose favour the contributor exercises the option. (bénéficiaire désigné)

option

means the option referred to in subsection 25.1(1) of the Act. (option)

Exercise of Option

58 An option must be exercised in writing and must

• (a) indicate which of the following reductions, determined in accordance with section 66, is applicable:
  • (i) the reduction that is necessary in order that the elective beneficiary could be entitled to an immediate annual allowance equal to 30% of the annuity referred to in clause 66(1)(b)(ii)(A), if paragraph 66(1)(b) were read without reference to the supplementary benefits payable under Part III of the Act,
  • (ii) the reduction that is necessary in order that the elective beneficiary could be entitled to an immediate annual allowance equal to 40% of the annuity referred to in clause 66(1)(b)(ii)(A), if paragraph 66(1)(b) were read without reference to the supplementary benefits payable under Part III of the Act, or
  • (iii) the reduction that is necessary in order that the elective beneficiary could be entitled to an immediate annual allowance equal to 50% of the annuity referred to in clause 66(1)(b)(ii)(A), if paragraph 66(1)(b) were read without reference to the supplementary benefits payable under Part III of the Act;
• (b) contain proof that establishes, to the Minister’s satisfaction, the date of birth of the elective beneficiary;
• (c) contain proof that establishes, to the Minister’s satisfaction, that the contributor and the elective beneficiary are
  • (i) married, or
  • (ii) cohabiting in a relationship of a conjugal nature, having so cohabited for a period of at least one year;
• (d) if the name of the elective beneficiary indicated in the proof referred to in paragraph (b) is not the same as the one indicated in the proof referred to in paragraph (c), contain proof that the names that were indicated refer to the elective beneficiary or a statutory declaration by which the elective beneficiary declares that they are the person referred to in both cases; and
• (e) be signed by the contributor and a witness, other than the elective beneficiary, and bear the date of the contributor’s signature.

59 (1) The option must be sent to the Minister or to a person designated by the Minister for that purpose.

(2) The option is exercised on the day on which it is sent in accordance with subsection (1).

2 (1) The portion of subsection 66(1) of the Regulations before subparagraph (a)(i) is replaced by the following:

66 (1) The amount of the reduction of the monthly instalment of the annuity or annual allowance of the contributor that results from the exercise of the option is equal to the amount determined as follows:

• (a) calculate the actuarial present value of the annuity or annual allowance to which the contributor is entitled under Part I of the Act immediately before having exercised the option and the supplementary benefits payable in respect of it under Part III of the Act, taking into account

(2) Subparagraph 66(1)(a)(i) of the English version of the Regulations is replaced by the following:

• (i) any amount that is or is to be deducted under subsection 15(2) of the Act, and

(3) Subparagraph 66(1)(a)(ii) of the Regulations is replaced by the following:

• (ii) the minimum benefit payable under section 38 of the Act;

(4) Subparagraph 66(1)(b)(i) of the Regulations is replaced by the following:

• (i) an immediate single life annuity that is payable to the contributor by monthly instalments beginning on the first day of the month following the month in which the option is exercised, and that is determined taking into account the supplementary benefits payable under Part III of the Act as if the annuity were a pension payable under Part I of the Act, and

(5) Clauses 66(1)(b)(ii)(A) and (B) of the Regulations are replaced by the following:

• (A) an immediate annuity that is payable during the life of the contributor by monthly instalments beginning on the first day of the month after the month in which the option is exercised, and that is determined taking into account the supplementary benefits payable under Part III of the Act as if the annuity were a pension payable under Part I of the Act, and
• (B) an annuity that is payable during the life of the person who is the elective beneficiary and the survivor of the contributor by monthly instalments beginning on the first day of the month after the month in which the contributor dies and that is equal to 30, 40 or 50%, in accordance with the option exercised by the contributor, of the annuity determined in accordance with clause (A), and that is determined taking into account the supplementary benefits payable under Part III of the Act, as if the annuity were a pension payable under Part I of the Act; and

(6) Clause 66(1)(c)(i)(A) of the English version of the Regulations is replaced by the following:

• (A) the duration of the life of the contributor,

(7) Clauses 66(1)(c)(i)(B) and (C) of the Regulations are replaced by the following:

• (B) the duration of the life of the elective beneficiary, and
• (C) with respect to the contributor and the elective beneficiary, the duration of their marriage or the period of their cohabitation in a relationship of a conjugal nature, as the case may be,

(8) Subparagraph 66(1)(c)(ii) of the Regulations is replaced by the following:

• (ii) that the reduction becomes effective beginning in the month referred to in subsection 73(1) or (2), as the case may be, and

(9) Subsection 66(2) of the Regulations is replaced by the following:

(2) For the purposes of paragraph (1)(c), in the determination of the reduction for a contributor in respect of whom a minimum benefit would be payable under section 38 of the Act if the contributor were to die on the day on which the option is exercised, the actuarial present value that is converted for the purposes of subparagraph (1)(b)(i) is not to take into account the minimum benefit payable in respect of that contributor under that section.

3 Section 67 of the Regulations is replaced by the following:

67 (1) Subject to subsection (2), the amount of the reduction determined in accordance with section 66 is increased each year beginning on January 1 of the year after the year in which the reduction is first in effect, by the amount that would be payable as a supplementary benefit under Part III of the Act if the amount of the reduction were an immediate annuity that became payable under Part I of the Act on January 1 of the year in which the option is exercised.

(2) If the option is exercised in the year in which the contributor retires, the increase in the amount of the reduction under subsection (1) is determined in respect of the first year during which the increase is in effect, beginning on the first day of the month in which the contributor most recently ceases to be a member of the regular force.

4 (1) Subsection 68(1) of the Regulations is amended by adding “and” at the end of paragraph (a) and by replacing paragraphs (b) and (c) with the following:

• (b) the rates of mortality of elective beneficiaries are the rates of mortality for surviving spouses set out in the actuarial valuation report laid before Parliament in accordance with section 56 of the Act, taking into account the mortality projection factors set out in the report.

(2) Subsection 68(2) of the Regulations is replaced by the following:

(2) The actuarial valuation report referred to in subsection (1) is the most recent actuarial valuation report laid before Parliament or, if the most recent actuarial valuation report is laid less than two months before the day on which the contributor has exercised the option, the previous one so laid.

5 Sections 69 to 74 of the Regulations are replaced by the following:

69 For the purposes of the determinations referred to in sections 66 and 67, the interest rates are the rates for fully indexed pensions, determined in accordance with the section entitled “Pension commuted values” of the Standards of Practice, published by the Canadian Institute of Actuaries, as amended from time to time.

Revocation of Options

70 (1) Any application for revocation of an option must be sent in writing to the Minister or to the person designated by the Minister for that purpose.

(2) The option is revoked on the day on which the application for revocation is sent in accordance with subsection (1).

(3) A contributor who revokes their option under subsection (2), must not exercise a new option in favour of the elective beneficiary of the option that was revoked, except in the following circumstances:

• (a) the contributor received, in writing, from a member of the Canadian Forces or a person employed in the public service whose ordinary duties included the giving of advice respecting the options, materially erroneous or misleading information regarding the amount of the reduction of the contributor’s annuity or annual allowance or the amount of the immediate annual allowance to which the elective beneficiary would be entitled; or
• (b) the amount of the annuity or annual allowance that is payable to the contributor is adjusted in accordance with the Pension Benefits Division Act after the day on which the revoked option was exercised.

(4) A new option in favour of the elective beneficiary of the option that was revoked must be exercised in writing and must

• (a) indicate which of the reductions referred to in paragraph 58(a) is applicable;
• (b) be signed by the contributor and a witness, other than the elective beneficiary, and bear the date of the contributor’s signature;
• (c) be included with the application for revocation referred to in subsection (1); and
• (d) be sent within three months after the day on which
  • (i) a written notice containing the correct information is sent to the contributor, or
  • (ii) the annuity or annual allowance is adjusted in accordance with the Pension Benefits Division Act.

(5) That new option is exercised on the day on which it is sent with the application for revocation referred to in subsection (1).

71 An option is deemed to have been revoked on the earliest of the day on which

• a) the elective beneficiary dies;
• b) the annulment of the marriage between the contributor and the person in whose favour the option was exercised takes effect;
• c) the divorce between the contributor and the person referred to in paragraph (b) takes effect;
• (d) the contributor ceases cohabiting with the person with whom they were cohabiting in a relationship of a conjugal nature for a period of at least one year and in whose favour the option was exercised; and
• (e) the contributor is required to contribute to the Canadian Forces Pension Fund under section 5 of the Act.

72 If an option is revoked or is deemed to have been revoked, the reduction determined in accordance with section 66 in respect of the option that is revoked or deemed to have been revoked ceases on the first day of the month in which the option is revoked under subsection 70(2) or the first day of the month in which the option is deemed to have been revoked under section 71, as the case may be.

Effective Dates of Reduction

73 (1) Subject to subsection (2), the amount of the reduction of a contributor’s annuity or annual allowance, determined in accordance with section 66, is to be subtracted from the monthly instalments of the annuity or annual allowance payable to the contributor, beginning on the first day of the second month after the month in which the option is exercised.

(2) In the case of a contributor who exercises a new option in accordance with subsection 70(4), the amount of the reduction determined in accordance with section 66 is to be subtracted from the monthly instalments of the annuity or annual allowance payable to the contributor, beginning on the first day of the month after the month in which the new option is exercised.

6 Section 75 of the Regulations and the heading before it are replaced by the following:

Allowance Amount

75 (1) For the purposes of subsection 25.1(2) of the Act, the immediate annual allowance to which a person who is the elective beneficiary and the survivor of the contributor is entitled is equal to an amount determined in accordance with clause 66(1)(b)(ii)(B), if paragraph 66(1)(b) were read without reference to the supplementary benefits payable under Part III of the Act.

(2) Despite subsection (1), when a contributor dies within one year after the day on which the option is exercised, the person is not entitled to an immediate annual allowance if the Minister establishes that the contributor was not, on that day, in such a condition of health as to justify the contributor in having an expectation of surviving for at least one year.

Coming into Force

7 These Regulations come into force on the day on which they are registered.

REGULATORY IMPACT ANALYSIS STATEMENT

(This statement is not part of the Regulations.)

Issues

In 1997, the Standing Joint Committee for the Scrutiny of Regulations (the Committee) identified 11 provisions with language discrepancies in the Canadian Forces Superannuation Regulations (CFSR) and requested their amendment. All 11 provisions are found in the sections of the CFSR prescribing the Optional Survivor Benefit (OSB), which is a voluntary benefit established under section 25.1 of the Canadian Forces Superannuation Act (CFSA). At play are a number of language inconsistencies between the French and English versions of the CFSR as well as inconsistencies between the various provisions themselves. The inconsistencies create ambiguity as both versions are equally authoritative, complicating the interpretation and application of the CFSR. Due to competing priorities over the years, the Department of National Defence (DND) was delayed in addressing the regulatory changes and, as a result, on May 5, 2023, the Committee issued a notice of intent of disallowance for the 11 provisions to the Minister of National Defence.

The CFSA was amended in 2007 to include common-law partners as eligible beneficiaries of the OSB. However, the CFSR have not yet been amended to include common-law partners. Consequently, common-law partners of the Canadian Armed Forces (CAF) members have been unable to access the OSB. Furthermore, this submission corrects various additional issues identified during the development of the CFSR, including a failure to comply with the Statutory Instruments Act requirement that incorporation by reference be accessible.

Background

Optional Survivor Benefit

The CFSA establishes the pension plan for CAF members, offering various benefits, including pensions and benefits for the survivors of CAF members. One such benefit, the OSB established under section 25.1 of the CFSA, provides a voluntary survivor benefit to plan members whose spouse or common-law partner is not entitled to the regular survivor benefit. This benefit is almost exclusively applicable to retired members who marry or enter into a common-law relationship on or after the age of 60. Sections 57 to 75 of the CFSR provide the rules necessary to administer the OSB, allowing eligible pensioner members to choose to reduce the pension they receive, leaving that amount in the pension fund to pay for a survivor benefit for their surviving spouse or common-law partner.

Standing Joint Committee for the Scrutiny of Regulations

The Committee identified that different and conflicting words and phrases were used between the English and French versions of 11 provisions in the CFSR. Different and conflicting words and phrases within the same language version were also identified in those provisions. These differences create confusion around what the member is required to do in order to initiate the OSB, what is considered to be proof, when an OSB is considered to be effective and everything that is used in the calculation of the reduction.

Common-law partners

In section 25.1 of the CFSA, as amended in 2007, retired members who begin a marriage or reach common-law partnership status after turning 60 are provided with an optional benefit where the member can choose to reduce their pension in order to provide either a spouse or common-law partner with a benefit following their death. This option is available because those spouses and common-law partners are not entitled to an automatic survivor allowance under section 25. Despite the CFSA providing that the OSB can be provided in favour of both spouses and common-law partners, the CFSR have not been amended to include provisions to allow for the administration of the OSB in favour of common-law partners.

Objective

The Regulations Amending the Canadian Forces Superannuation Regulations (the amendments) do not introduce new policies or alter existing CFSA provisions. Instead, they clarify and fully align the OSB sections of the CFSR with those of the CFSA, thereby providing the means to administer entitlements granted by Parliament. The regulation is part of the broader government effort to modernize military pensions, recognizing the unique sacrifices and service of CAF members and their families. Updating the CFSR will reduce legal uncertainties, eliminate administrative redundancies and ensure harmonized interpretation.

By implementing these amendments, the Government seeks to fulfill its commitment to CAF members and their families by ensuring that their pension regime is administered efficiently and transparently and in a manner that reflects the spirit and intent of the legislation passed by Parliament. These amendments will also fulfill the Minister of National Defence’s commitment to the Committee to correct the 11 problematic provisions.

This approach underscores the Government’s commitment to ensure the financial security of its military personnel and adheres to the legislative requirements guiding the administration of the CFSA within a defined regulatory framework. Ultimately, these amendments align with the Government’s commitment to support CAF personnel by providing a clear, consistent and equitable superannuation framework.

Description

The OSB provisions (CFSR sections 57 to 75) are updated to fix language discrepancies between the English and French versions, to enable common-law partners to access the OSB, to improve clarity and simplify administrative requirements, and to align with the CFSA, as follows:

1. Modernize and match language throughout the OSB provisions and between the French and English versions by
   • using “sent” and “envoyer” consistently;
   • replacing “make an election” and “effectuer son choix” with “exercise the option” and “exercer l’option”;
   • ensuring every reference to section 38, Minimum Benefit/Prestation minimale, of the CFSA in the OSB provisions uses “minimum benefit”/“prestation minimale”; and
   • updating the incorporation by reference to the Standards of Practice used to calculate the rates of interest set out in a 1993 publication that no longer meet the standards required by the Statutory Instruments Act. Updating the reference to the Standards of Practice will also align how rates are calculated in the OSB provisions with how they are calculated in the rest of the CFSR and in the other federal public sector pension plans, as well as ensuring that the calculation of rates remains up to date with Canadian actuarial standards of practice.
2. Enable common-law partners to access the OSB by
   • replacing the definition of “spouse”/“conjoint” with a new term, “elective beneficiary”/“bénéficiaire désigné,” that is inclusive of both married spouses and common-law partners; and
   • updating the rules governing the application process for the OSB so they are applicable to both spouses and common-law partners.
3. Remove unnecessarily burdensome and outdated requirements by
   • allowing OSB applications to be sent at any time once a plan member is eligible, because the amount of the reduction to the member’s pension to fund the OSB accounts for the age of both the retired member and the OSB beneficiary, making this change cost-neutral;
   • requiring all compulsory documentation be included as part of the OSB application to eliminate multiple administrative steps and tracking, and to remove the possibility of retroactive disallowance if documents are not provided in time;
   • removing processes that are not required to be regulated, such as what documents will be accepted as proof; and
   • only restricting when an OSB reduction can be revised and removing the restrictions on when the OSB reduction can be stopped voluntarily (known as revocation of the option).
4. Improve the clarity of the provisions by
   • updating terminology, which includes using commonly understood words and phrases where possible.

Regulatory development

Consultation

These regulatory changes deal with internal CAF matters, namely the pension arrangements for CAF members. The CFSR do not have a direct impact on the Canadian public nor the private sector; as a result, external consultations were not undertaken.

In developing the CFSR, DND collaborated with the Treasury Board Secretariat and the Royal Canadian Mounted Police pension policy sections. The CFSR do not impact the mandate of any other minister.

As the administrator of the federal public sector pension plans, including the plans established under the CFSA, Public Services and Procurement Canada (PSPC) was also consulted. The Canadian Forces Pension Advisory Committee, a legislated advisory committee consisting of members representing various elements of the CAF, was consulted on proposed changes to the CFSR in the fall and winter of 2023.

Modern treaty obligations and Indigenous engagement and consultation

The CFSR do not intersect with rights protected under section 35 of the Constitution Act, 1982, nor does it engage modern treaties or international human rights obligations concerning Indigenous peoples. The amendments pertain exclusively to the pension scheme for current and former CAF members, a context that does not involve or affect Indigenous lands, rights, or treaties.

Instrument choice

In addressing the need for amendments to the CFSR, it was imperative to consider the legislative context of the CFSA, which dictates that these specific matters be regulated through regulations enacted by the Governor in Council. As the legal framework emphasizes that regulatory action is the sole pathway to address the identified issues, non-regulatory options were not viable for consideration. Additionally, changing the 1993 Standards of Practice reference from a static incorporation to an ambulatory incorporation by reference allows for the calculation of the rates to stay current with actuarial practices.

Regulatory analysis

Benefits

Correcting the 11 CFSR provisions will meet the Department’s commitment to the Committee and resolve the issue of disallowance. The amendments will also bring the OSB provisions of the CFSR up to date by modernizing language, aligning the CFSR language with that of the CFSA, simplifying administrative requirements (by removing unnecessary deadlines and broadening how proof requirements can be met), and permitting common-law partners to access the OSB. This will increase the number of veterans who can choose to start OSB in favour of a spouse or common-law partner, providing additional flexibility in post-retirement financial planning for a larger number of veterans and their families.

Reducing administrative inefficiencies, eliminating legal and language ambiguities, as well as enhancing the integrity of the regulatory framework without expanding the scope of the CFSR beyond what is necessary for the effective administration of the CFSA, improves the CFSR overall and will enhance legal certainty and administrative coherence within the superannuation framework, thereby stabilizing the official versions of the regulations and ensuring clarity and consistency in their interpretation.

Costs

The implementation of the amendments will see small, temporary costs due to the need to update documents, provide training, and respond to an initial higher volume of questions.

The expected long-term results include cost savings associated with administrative efficiency and reductions in the number of questions, grievances, and judicial processes as the result of simplification and clarification.

Small business lens

Analysis under the small business lens concluded that the regulatory amendments will not impact Canadian (small) businesses.

One-for-one rule

The one-for-one rule does not apply, as there is no impact on business and no regulatory titles are repealed or introduced.

Regulatory cooperation and alignment

This initiative is not linked to any inter-jurisdictional agreements or obligations.

Effects on the environment

In accordance with the Cabinet Directive on the Environmental Assessment of Policy, Plan and Program Proposals, a preliminary scan concluded that a strategic environmental assessment is not required.

Gender-based analysis plus

During the development of the proposed amendments to the CFSR, a thorough consideration of gender-based analysis plus (GBA+) impacts was undertaken. This analysis aimed to identify and address potential differential or adverse outcomes based on distributional factors such as gender, age, education, language, geography, culture, and income, ensuring the regulatory changes uphold the principles of equality and inclusivity. Any potential GBA+ impacts that have been identified are positive.

Language

In federal regulations, the English and the French versions are equally authoritative. The existing discrepancies result in different interpretations between the versions, leading to lack of clarity and confusion. Around 28% of the Canadian population identifies French to be their native language and all federal acts and regulations are accessible to the public. Additionally, both CAF members and public servants are impacted by any ambiguity in the CFSR, as each of these groups needs to understand the rights and responsibilities laid out so that they may make accurate, fully informed decisions in order to both effectively administer the pension plan and achieve positive financial results in retirement. Language discrepancies between English and French also pose the risk of different outcomes in application.

Marital status

Both marriages and common-law partnerships have equal legal standing under the CFSA. As of 2021, 22.7% of couples in Canada had achieved common-law status, with 16% of those couples being in the 55 to 69 age group.

The incorporation of common-law partners in the regulations ensures that entitlements granted by the Act can be administered. This ensures that marriage and common law are treated equally, rectifying the existing differential impacts based on marital status.

Gender

The CFSA explicitly states in section 3 that male and female contributors under the CFSA have equality of status and equal rights and obligations under this Act. This foundational principle guided the analysis, ensuring that the regulations align with the commitment to gender equality and the equitable treatment of all CAF members, regardless of gender. However, the undeniable fact of the CAF is that 83% of its members are men and so mostly male members will be impacted by any changes to the CFSA and CFSR, while it will be mostly female spouses or common-law partners and female survivors who will be tangentially impacted, since statistically, most couples are heterosexual. This is played out in the data: of those who have a current OSB reduction applied to their pension, 97% are men, and all the OSB allowance recipients are women.

Age

The OSB is a benefit almost exclusively available to pensioner members who were 60 years of age or older when they got married or established a common-law relationship. Despite a higher number of larger age gaps in couples where at least one person is over the age of 65, the majority of couples have an age gap of 4 years or less. Therefore, the assumption is that the vast majority of spouse and common-law partner OSB allowance recipients are age 60 and older. This assumption is supported by the data: the average age of OSB allowance recipients is 79.

Income

Employer pensions are a key source of retirement income to support Canadians once they leave the workforce. Most Canadian public and private pension plans include a survivor benefit payable to defined survivors following the death of the plan member. Almost universally, these survivor benefits are limited to the spouse or common-law partner (or children) of the plan member on the date of the plan member’s retirement or death, whichever comes first. These benefits are intended to supplement the income of a survivor who supported a plan member during their employment.

Around 11% of the Canadian population is low-income, based on the low-income measure after tax, and women over the age of 65 are 4% more likely than men over the age of 65 to be a low-income individual. That age group is also the most likely, overall, to meet or fall below the individual in the low-income measure, with those in the 75 years and over age group having the highest rates of individuals in low-income status.

The OSB provides older (mostly male) veterans with an additional way to provide a benefit for their survivor (usually older women) to receive a benefit after the veteran’s death, enabling both parties to better plan for their financial future during retirement.

Conclusion

Incorporating common-law partners in the OSB sections of the CFSR provides for equitable treatment of married spouses and common-law partners. Since the majority of eligible retired CAF members are men aged 60 and over, and the majority of spouses and partners are women who are also over 60, the CFSR will provide the opportunity for more older women to be provided with this type of survivor allowance under the CAF pension plan and, therefore, improve the financial situation of older women, who are the most likely demographic to find themselves in a low-income circumstance. Resolving discrepancies between the English and French versions improves the overall clarity and guarantees members and administrators can read the regulations in their language of choice and be assured that they are receiving the correct information.

After a comprehensive review, it has been determined that the regulatory amendments do not introduce negative differential impacts or outcomes based on gender, age, or other GBA+ factors. The amendments focus on administrative updates within the existing legislative framework and do not alter the rights, obligations, or benefits provided under the CFSA, but rather ensure that all rights granted by the CFSA can be administered under the CFSR with consistency between both official languages. Consequently, they are designed in a manner that upholds and reinforces the Act’s commitment to gender equality and the Government’s commitment to ensuring equity and inclusion.

Implementation, compliance and enforcement, and service standards

The amendments come into force upon approval. PSPC is responsible for the day-to-day administration of the CAF pension plan, and this role will continue seamlessly post-implementation of the amendments. The existing PSPC service standards will continue to apply. With respect to the Standards of Practice incorporated by reference, the Canadian Institute of Actuaries makes the current and past versions of the Standards of Practice, in both official languages, available to the public at no cost. DND will monitor service standards and documents incorporated by reference to ensure that they continue to meet legislative and regulatory requirements.

To support implementation, relevant administrative policies and procedures are being updated by PSPC simultaneous to the amendments to the CFSR. Once approved, the changes will be communicated to active and retired members of the CAF by way of a Canadian Forces General message (CANFORGEN), through social media, and in notices sent to all CFSA Part I active and retired members by the PSPC.

Contact

Stephen Irwin
Director
Pension and Social Programs
Commander Military Personnel Command
Department of National Defence
Telephone: 613‑294‑4957
Email: Stephen.Irwin@forces.gc.ca